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Cash Back Checking + PERKS

  • Cash back each month based on how many times you swipe your debit card1
  • No minimum balance to earn cash back
  • PERKS comes with several money-saving benefits
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Cash Back Checking

  • No monthly service fee3
  • Cash back each month based on how many times you swipe your debit card1
  • No minimum balance to earn cash back
Learn More

Interest Checking + PERKS

  • Account pays interest
  • 1.25% APY1 on balances up to $15,000.99
  • Money-saving benefits with PERKS
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Interest Checking

  • No monthly service fee4
  • Account pays interest
  • 1.25% APY1 on balances up to $15,000.99
Learn More

Cash Back Checking + PERKS:

The minimum to open an account is $100.00.  1 To earn cash back, swipe to spend at least $5 on your Cash Back Checking debit card 10 or more times during a “Statement Cycle.” Purchases must be made with the BankFirst debit card associated with the Cash Back Checking account. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Only debit card transactions processed by merchants and received by the bank as point-of-sale (“POS”) transactions count toward qualifying debit card transactions. Automated Teller Machine (ATM) processed transactions do not count toward earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 Cell phone protection up to $400 per claim, maximum $800 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the Guide to Benefits.  5 Billshark requires additional activation to begin.  6 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.  7 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.  8 Up to $80.00 Roadside Assistance of covered service charges which include: towing assistance, battery services, flat tire assistance, fuel, oil, fluid and water delivery service, lock-out assistance, collision assistance, and extrication assistance.  9 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Cash Back Checking:

The minimum to open an account is $100.00.  1 To earn cash back, swipe to spend at least $5 on your Cash Back Checking debit card 10 or more times during a “Statement Cycle.” Purchases must be made with the BankFirst debit card associated with the Cash Back Checking account. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Only debit card transactions processed by merchants and received by the bank as point-of-sale (“POS”) transactions count toward qualifying debit card transactions. Automated Teller Machine (ATM) processed transactions do not count toward earning account rewards. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 $5 paper statement fee waived if enrolled in eStatements.  4 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.

Interest Checking + PERKS:

The minimum to open an account is $100.  1 APY=Annual Percentage Yield. APYs accurate as of 04/01/2022. At our discretion, we may change rates at any time. Fees may reduce earnings. If qualifications are met each monthly qualification cycle, balances up to $15,000.99 receive APY of 1.25% and the portion of the balance over $15,000.99 will earn 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Automated Teller Machine (ATM) processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account. The advertised Interest Checking + PERKS APY is based on compounding interest. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $0.01 in the account each day.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 Cell phone protection up to $400 per claim, maximum $800 per year. Personal identity theft and cell phone protection are subject to additional terms and conditions detailed in the Guide to Benefits.  5 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.  6 Billshark requires additional activation to begin.  7 You’ll receive a one-time activation reward of 10¢ per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of 10¢ per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count toward the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count toward a bonus reward of 10¢ per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You’ll continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.  8 Roadside Assistance covered service charges include: Towing assistance; Battery service; Flat tire assistance; Fuel, oil, fluid and water delivery service; Lock-out assistance; Collision assistance; and Extrication assistance.  9 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

Interest Checking:

The minimum to open an account is $100.  1 APY=Annual Percentage Yield. APYs accurate as of 04/01/2022. At our discretion, we may change rates at any time. Fees may reduce earnings. If qualifications are met each monthly qualification cycle, balances up to $15,000.99 receive APY of 1.25% and the portion of the balance over $15,000.99 will earn 0.15% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Transactions MUST post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. Automated Teller Machine (ATM) processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning on the first day of the month and ending on the last business day of the month. "Statement Cycle" means the period of time for which the bank provides a summary of the financial activities and transactions that post and settle to the account holder's account. The advertised Interest Checking APY is based on compounding interest. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will receive the accrued interest. To obtain the annual percentage yield disclosed, you must maintain a minimum balance of $0.01 in the account each day.  2 Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $15 per month. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you within 30 days following the end of the Statement Cycle in which the reimbursement was applicable. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.  3 Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds.  4 $5 paper statement fee waived if enrolled in eStatements.